"Fee-Only" refers to our compensation structure. To avoid conflicts of interest,
fee-only planners are compensated solely with fees paid by their clients and do not accept
commissions or compensation from any other source. Since BDFP does not sell products or
receive commissions or other compensation from third parties, you can feel completely
confident that our interests are aligned with yours and our recommendations are completely
impartial and unbiased.

CFP®

Working with a Certified Financial Planner® practitioner allows you to be confident that
you are working with a financial advisor who is highly competent and committed. Many stock
brokers and other financial services providers call themselves "financial planners", but
most do not have sufficient training and experience to provide full suite of financial
services and advice that a CFP® practitioner can. In order to obtain the CFP designation,
a financial planner must satisfy the following requirements:

Education: An individual must become knowledgeable in the CFP Board's financial
planning topics, either through a series of classes or self-study. These topics include
investments, tax, the mathematics of financial planning, insurance, estate planning, employee
benefits and retirement planning.

Experience: A CFP® candidate must have three years of relevant financial planning
experience and a bachelor's degree to fulfill the education requirement.

Ethics: Finally, a financial planner must agree to abide by CFP Board's Code of
Ethics and Professional Responsibility which puts clients' interests first and abide by the
Financial Planning Practice Standards which spell out what clients should be able to reasonably
expect from the financial planning engagement.

Retainer

Our retainer fee structure guarantees that your fee is individualized to suit your particular
situation and the work to be done for your plan. Unlike many financial planners, BDFP won’t
turn you away if you don’t have a particular minimum net worth. Conversely, your fee isn’t
automatically higher due to a higher asset base because your fees will not be solely based on
the value of the assets you entrust to our management. For more on the details of my fee structure,
please see the fee section of our website.

Ongoing Financial Planning and Asset Management

Our emphasis is on ongoing financial planning. While many financial planning firms simply manage
your assets and do little else, BDFP will update your plan as circumstances change,
and keep you apprised as your options change. This gives you the
confidence that your financial plan is current and that we will adapt it to your constantly-changing
life circumstances. Additionally, our system of quarterly re-balancing
guarantees that your portfolio is actively maintained and updated at least four times per year.

A Lean Operation

We run a lean operation -- This means that none of your money is channeled into overhead costs such
as an extravagantly furnished office, an elaborate marketing campaign, or mailings filled with
superfluous information that you do not need. What we do offer you is straightforward, high-quality
financial planning services and information which are pertinent to you...OK, and a warm cup of coffee
when you come in for a meeting.